BlastPoint's Credit Union Scorecard
U B C SOUTHERN COUNCIL INDUSTRIA WO
Charter #22219 · LA
2556 CUs in <100M nationally
109 in LA
U B C SOUTHERN COUNCIL INDUSTRIA WO has 8 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.70% above tier average
- + Net Interest Margin 4.92% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Loan-to-Share Ratio: Top 1.1% in tier
- + Net Worth Ratio: Top 2.5% in tier
- + Net Charge-Off Rate: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 2.00% above tier (higher cost structure)
- - Member decline: -5.4% YoY
- - Total Deposits: Bottom 3.9% in tier
- - Total Assets: Bottom 4.4% in tier
- - Average Member Relationship (AMR): Bottom 4.5% in tier
- - Total Loans: Bottom 7.8% in tier
- - Loan-to-Member Ratio (LMR): Bottom 8.9% in tier
- - Total Members: Bottom 9.2% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
347
-5.4% YoY+0.6% QoQ
|
-2.3K |
2,615
-1.9% YoY
|
9,309
+1.0% YoY
|
33,374
+5.7% YoY
|
Bottom 9.2% in tier |
| Assets |
$783,408
-6.0% YoY-3.1% QoQ
|
$-29.4M |
$30.1M
+2.1% YoY
|
$122.7M
+4.8% YoY
|
$561.6M
+9.7% YoY
|
Bottom 4.4% in tier |
| Loans |
$538,796
-7.5% YoY+2.3% QoQ
|
$-15.2M |
$15.8M
-1.3% YoY
|
$87.2M
+3.5% YoY
|
$397.0M
+8.8% YoY
|
Bottom 7.7% in tier |
| Deposits |
$474,725
-1.4% YoY-5.0% QoQ
|
$-25.2M |
$25.7M
+1.4% YoY
|
$104.9M
+5.6% YoY
|
$477.3M
+9.7% YoY
|
Bottom 3.8% in tier |
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| ROA |
1.3%
+175.4% YoY-8.7% QoQ
|
+0.7% |
0.6%
+10.8% YoY
|
0.3%
+12.6% YoY
|
0.7%
+15.9% YoY
|
79% |
| NIM |
8.9%
+8.2% YoY+1.4% QoQ
|
+4.9% |
4.0%
+4.0% YoY
|
4.2%
+2.9% YoY
|
3.8%
+5.1% YoY
|
Top 0.2% in tier |
| Efficiency Ratio |
84.6%
-6.5% YoY+2.3% QoQ
|
+2.0% |
82.6%
-2.3% YoY
|
85.6%
-13.2% YoY
|
79.7%
-3.3% YoY
|
62% |
| Delinquency Rate |
0.5%
-65.1% YoY+51.1% QoQ
|
-1.1 |
1.6%
-3.1% YoY
|
1.9%
-8.2% YoY
|
1.3%
-2.1% YoY
|
40% |
| Loan To Share |
113.5%
-6.2% YoY+7.7% QoQ
|
+52.9% |
60.6%
-3.1% YoY
|
71.2%
-2.0% YoY
|
67.4%
-1.7% YoY
|
Top 1.2% in tier |
| AMR |
$2,921
+0.8% YoY-1.8% QoQ
|
$-12K |
$14,783
-1.4% YoY
|
$13,375
+3.1% YoY
|
$19,687
+2.0% YoY
|
Bottom 4.5% in tier |
| CD Concentration | 0.0% | -24.4% | 24.4% | 15.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 5.0% | 7.8% | 50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)
Top Strengths (8 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
6
Net Interest Margin (NIM)
profitability
Value:
8.88%
Peer Median: -
#6 of 2556
Top 0.2% in <100M tier
28
Loan-to-Share Ratio
balance_sheet
Value:
113.50%
Peer Median: -
#28 of 2556
Top 1.1% in <100M tier
64
Net Worth Ratio
risk
Value:
39.06%
Peer Median: -
#64 of 2556
Top 2.5% in <100M tier
208
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: -
#208 of 2556
Top 8.1% in <100M tier
535
Return on Assets (ROA)
profitability
Value:
1.32%
Peer Median: -
#535 of 2556
Top 20.9% in <100M tier
Top Weaknesses (9 metrics)
2458
Total Deposits
balance_sheet
Value:
$474,725
Peer Median: -
#2458 of 2556
Bottom 3.9% in <100M tier
2444
Total Assets
balance_sheet
Value:
$783,408
Peer Median: -
#2444 of 2556
Bottom 4.4% in <100M tier
2442
Average Member Relationship (AMR)
engagement
Value:
$2,921
Peer Median: -
#2442 of 2556
Bottom 4.5% in <100M tier
2358
Total Loans
balance_sheet
Value:
$538,796
Peer Median: -
#2358 of 2556
Bottom 7.8% in <100M tier
2329
Loan-to-Member Ratio (LMR)
engagement
Value:
$1,553
Peer Median: -
#2329 of 2556
Bottom 8.9% in <100M tier
2321
Total Members
engagement
Value:
347
Peer Median: -
#2321 of 2556
Bottom 9.2% in <100M tier
2273
Asset Growth Rate
growth
Value:
-5.96%
Peer Median: -
#2273 of 2556
Bottom 11.1% in <100M tier
2176
Member Growth Rate
growth
Value:
-5.45%
Peer Median: -
#2176 of 2556
Bottom 14.9% in <100M tier
1974
Fee Income Per Member
profitability
Value:
$15.54
Peer Median: -
#1974 of 2556
Bottom 22.8% in <100M tier